Citizens Bancorp of Virginia, Inc. (CZBT)

CZBT Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	19.65	18.77	16.99	14.16	12.06	13.29
Interest Income on Investments	9.13	8.56	7.85	8.81	6.13	1.96
Total Interest Income	28.77	27.33	24.84	22.97	18.19	15.26
Interest Paid on Deposits	4.67	4.6	4.19	2.62	0.99	1.2
Interest Paid on Borrowings	0.06	0.07	0.06	0.01	0.01	0.03
Total Interest Expense	4.74	4.67	4.25	2.63	1	1.23
Net Interest Income	24.04	22.66	20.59	20.34	17.19	14.03
Net Interest Income Growth	12.71%	10.05%	1.22%	18.35%	22.55%	0.96%
Gain (Loss) on Sale of Assets	-	-	-	-0.01	0	-
Gain (Loss) on Sale of Investments	0.02	0.02	-0.01	0.05	0.72	-0
Other Non-Interest Income	2.41	2.18	1.94	2.2	2.24	2.26
Total Non-Interest Income	3.17	2.9	2.69	2.94	3.8	3.28
Non-Interest Income Growth	9.07%	7.99%	-8.50%	-22.75%	16.17%	14.61%
Revenues Before Loan Losses	27.21	25.57	23.28	23.28	20.99	17.3
Provision for Loan Losses	0.27	0.29	0.36	0.21	-0.52	-0.27
Revenue	26.95	25.28	22.92	23.07	21.51	17.57
Revenue Growth	13.09%	10.31%	-0.67%	7.24%	22.47%	7.43%
Salaries and Employee Benefits	8.29	7.92	7.56	7.93	7.72	6.62
Federal Deposit Insurance	0.25	0.24	0.25	0.26	0.16	0.13
Selling, General & Administrative	2.02	1.98	1.84	1.75	1.69	1.73
Other Non-Interest Expense	3.13	3.04	2.67	2.74	2.34	2.32
Total Non-Interest Expense	13.94	13.38	12.27	12.59	11.35	10.61
EBT Excluding Unusual Items	13.01	11.9	10.65	10.48	10.16	6.96
Pretax Income	13.01	11.9	10.65	10.48	10.16	6.96
Income Tax Expense	2.42	2.27	2.08	1.99	2	1.33
Net Income	10.59	9.63	8.56	8.5	8.16	5.63
Net Income to Common	10.59	9.63	8.56	8.5	8.16	5.63
Net Income Growth	16.13%	12.48%	0.79%	4.09%	45.05%	12.09%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-0.35%	-0.50%	-0.37%	-0.18%	-0.36%	-0.89%
EPS (Basic)	5.03	4.57	4.05	4.00	3.83	2.63
EPS (Diluted)	5.03	4.57	4.05	4.00	3.83	2.63
EPS Growth	16.54%	13.04%	1.17%	4.29%	45.58%	13.09%
Dividend Per Share	1.180	1.140	1.100	1.070	1.020	0.990
Dividend Growth	5.36%	3.64%	2.80%	4.90%	3.03%	3.13%
Effective Tax Rate	18.61%	19.05%	19.58%	18.95%	19.70%	19.14%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 4, 2026

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